[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lauri.cz\/dulezita-je-vcasna-a-dukladna-priprava\/#Article","mainEntityOfPage":"https:\/\/www.lauri.cz\/dulezita-je-vcasna-a-dukladna-priprava\/","headline":"D\u016fle\u017eit\u00e1 je v\u010dasn\u00e1 a d\u016fkladn\u00e1 p\u0159\u00edprava","name":"D\u016fle\u017eit\u00e1 je v\u010dasn\u00e1 a d\u016fkladn\u00e1 p\u0159\u00edprava","description":"Odchod do d\u016fchodu je p\u0159elomov\u00fdm obdob\u00edm v\u00a0\u017eivot\u011b \u010dlov\u011bka. N\u011bkdo se jej nem\u016f\u017ee do\u010dkat, n\u011bkdo jej odkl\u00e1d\u00e1, co to jen jde. Co \u010dlov\u011bk, to n\u00e1zor a jin\u00fd p\u0159\u00edstup. Nicm\u00e9n\u011b je jist\u00e9, \u017ee spole\u010dn\u011b s\u00a0ochodem z\u00a0aktivn\u00edho pracovn\u00edho \u017eivota p\u0159ich\u00e1z\u00ed v\u00a0d\u016fchodu ur\u010dit\u00fd pokles p\u0159\u00edjm\u016f. Jak se v\u0161ak na d\u016fchod p\u0159ipravit, aby zm\u011bna nebyla p\u0159\u00edli\u0161 citeln\u00e1. V\u011bt\u0161ina lid\u00ed si ji\u017e v\u00a0modern\u00ed spole\u010dnosti zvykla na to, \u017ee v\u0161e se to\u010d\u00ed kolem pen\u011bz a bez nich to v\u00a0podstat\u011b nejde. Stejn\u011b tak to plat\u00ed i v\u00a0p\u0159\u00edpad\u011b p\u0159\u00edpravy...<p class=\"read-more\"><a class=\"btn btn-default\" href=\"https:\/\/www.lauri.cz\/dulezita-je-vcasna-a-dukladna-priprava\/\"> \u010c\u00edst d\u00e1le<span class=\"screen-reader-text\">  \u010c\u00edst d\u00e1le<\/span><\/a><\/p>","datePublished":"2024-10-06","dateModified":"2024-10-06","author":{"@type":"Person","@id":"https:\/\/www.lauri.cz\/author\/#Person","name":"","url":"https:\/\/www.lauri.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lauri.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lauri.cz\/wp-content\/uploads\/img_a298578_w2078_t1508873312.jpg","url":"https:\/\/www.lauri.cz\/wp-content\/uploads\/img_a298578_w2078_t1508873312.jpg","height":0,"width":0},"url":"https:\/\/www.lauri.cz\/dulezita-je-vcasna-a-dukladna-priprava\/","wordCount":533,"articleBody":"Odchod do d\u016fchodu je p\u0159elomov\u00fdm obdob\u00edm v\u00a0\u017eivot\u011b \u010dlov\u011bka. N\u011bkdo se jej nem\u016f\u017ee do\u010dkat, n\u011bkdo jej odkl\u00e1d\u00e1, co to jen jde. Co \u010dlov\u011bk, to n\u00e1zor a jin\u00fd p\u0159\u00edstup. Nicm\u00e9n\u011b je jist\u00e9, \u017ee spole\u010dn\u011b s\u00a0ochodem z\u00a0aktivn\u00edho pracovn\u00edho \u017eivota p\u0159ich\u00e1z\u00ed v\u00a0d\u016fchodu ur\u010dit\u00fd pokles p\u0159\u00edjm\u016f. Jak se v\u0161ak na d\u016fchod p\u0159ipravit, aby zm\u011bna nebyla p\u0159\u00edli\u0161 citeln\u00e1.V\u011bt\u0161ina lid\u00ed si ji\u017e v\u00a0modern\u00ed spole\u010dnosti zvykla na to, \u017ee v\u0161e se to\u010d\u00ed kolem pen\u011bz a bez nich to v\u00a0podstat\u011b nejde. Stejn\u011b tak to plat\u00ed i v\u00a0p\u0159\u00edpad\u011b p\u0159\u00edpravy na d\u016fchod.Vytvo\u0159en\u00ed finan\u010dn\u00ed rezervy\u2013 existuje \u0159ada spo\u0159en\u00ed, kter\u00e1 v\u0161ak nemus\u00ed b\u00fdt z\u00a0dlouhodob\u00e9ho hlediska a s\u00a0ohledem na inflaci, \u00fapln\u011b v\u00fdhodn\u00e1. Odborn\u00edci v\u00a0t\u00e9to oblasti se shoduj\u00ed, \u017ee nejlep\u0161\u00ed variantou jsou investice do akci\u00ed, dluhopis\u016f, nebo r\u016fzn\u00fdch firem. Pokud v\u0161ak nejste odv\u00e1\u017en\u00ed, je mo\u017en\u00e9 zalo\u017eit si dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. To nab\u00edz\u00ed dlouhodob\u00e9 v\u00fdhodn\u00e9 spo\u0159en\u00ed a k\u00a0tomu st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek. Investice do pod\u00edlov\u00fdch fond\u016f tak\u00e9 nejsou \u0161patnou volbou, pokud v\u0161ak t\u00e9to oblasti zcela nerozum\u00edte, je vhodn\u00e9 obr\u00e1tit se na zku\u0161en\u00e9ho finan\u010dn\u00edho poradce.Vy\u0159\u00edzen\u00ed nutn\u00fdch investic a oprav\u2013 finan\u010dn\u00ed rezervu je mo\u017en\u00e9 tvo\u0159it n\u011bkolik let dop\u0159edu, av\u0161ak p\u0159ed odchodem do d\u016fchodu je vhodn\u00e9 tak\u00e9 zv\u00e1\u017eit, co by bylo pot\u0159eba za\u0159\u00eddit, nakoupit a opravit nap\u0159\u00edklad v\u00a0byt\u011b. Je to u\u017eite\u010dn\u00e9 jednak z\u00a0hlediska finan\u010dn\u00edho, kdy v\u00a0d\u016fchodu ji\u017e z\u0159ejm\u011b nebude mo\u017en\u00e9 a \u00fa\u010deln\u00e9 br\u00e1t \u00fav\u011bry na rekonstrukce bytu, a tak\u00e9 s\u00a0ohledem na v\u011bk a pohodl\u00ed se \u010dlov\u011bku do velk\u00fdch zm\u011bn nebude cht\u00edt. Je nutno po\u010d\u00edtat s\u00a0t\u00edm, \u017ee \u0159ada spot\u0159ebi\u010d\u016f m\u00e1 pouze omezenou \u017eivotnost, a proto se m\u016f\u017ee st\u00e1t, \u017ee doslou\u017e\u00ed sou\u010dasn\u011b pra\u010dka, ledni\u010dka \u010di vysava\u010d a investice do nov\u00fdch budou nemal\u00e9. Pokud v\u0161ak star\u00fd spot\u0159ebi\u010d slou\u017e\u00ed, nen\u00ed ekonomick\u00e9 jej vyhazovat, v\u00a0tomto p\u0159\u00edpad\u011b je vhodn\u00e9 pen\u00edze odlo\u017eit stranou a m\u00edt je pro tyto situace p\u0159ipraveny. Pokud jsou v\u0161ak nutn\u00e9 n\u011bkter\u00e9 opravy v\u00a0byt\u011b, s\u00a0t\u011bmi se nevyplat\u00ed \u010dekat dlouho, a je vhodn\u00e9 je ud\u011blat co nejd\u0159\u00edve. Spousta lid\u00ed si s\u00a0n\u00e1stupem pokro\u010dil\u00e9ho v\u011bku upravuje nap\u0159\u00edklad koupelnu, kdy vol\u00ed t\u0159eba v\u00fdm\u011bnu vany za sprchov\u00fd kout, nebo tvo\u0159\u00ed bezpe\u010dn\u011bj\u0161\u00ed prostor bez zbyte\u010dn\u00fdch bari\u00e9r.Myslet na to, \u017ee odchodem do d\u016fchodu \u017eivot nekon\u010d\u00ed \u2013 pr\u016fm\u011brn\u00e1 d\u00e9lka \u017eivota se st\u00e1le prodlu\u017euje, proto je vhodn\u00e9 myslet i v\u00a0d\u016fchodu na sv\u016fj voln\u00fd \u010das, z\u00e1jmy a kon\u00ed\u010dky. S\u00a0ohledem na toto je tak\u00e9 mo\u017en\u00e9 m\u00edt odlo\u017een\u00e9 prost\u0159edky nap\u0159\u00edklad na kulturu, dovolenou, mas\u00e1\u017ee \u010di pohybov\u00e9 aktivity.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fle\u017eit\u00e1 je v\u010dasn\u00e1 a d\u016fkladn\u00e1 p\u0159\u00edprava","item":"https:\/\/www.lauri.cz\/dulezita-je-vcasna-a-dukladna-priprava\/#breadcrumbitem"}]}]